The Lawyers Want You to Know...

Scott Sather is a Portfolio Manager and is also licensed for the sale of insurance products. Scott Sather is registered through separate organizations for each purpose and as such, you may be dealing with more than one entity depending on the services and products discussed. The name of the entity being represented should correspond to the business being conducted. Awaken Wealth Management (operating as Awaken Wealth) and Awaken Investments of Aligned Capital Partners Inc. (ACPI) are separate legal entities.

Awaken Investments is an investments trade name of ACPI. ACPI is regulated by the Canadian Investment Regulatory Organization (CIRO.ca) and Member of the Canadian Investor Protection Fund (CIPF.ca) Investment products are provided by ACPI and include, but are not limited to, mutual funds, stocks, and bonds. Scott Sather is registered to provide investment advice and solutions to clients residing in the provinces of Alberta, Manitoba, Saskatchewan, and Ontario.

Any advice which may be given in respect of non-securities services is given by Scott Sather solely and no such advice is given in their capacity as a registrant of ACPI. Canadian Investor Protection Fund (CIPF) coverage is available to CIRO Dealer Members and does not offer protection, within limits, on non-securities products not held by a Member.

Non-securities related business includes, without limitation, fee-based financial planning services; estate and tax planning; tax return preparation services; advising in or selling any type of insurance product; any type of mortgage service. Accordingly, ACPI is not providing and does not supervise any of the above noted activities and you should not rely on ACPI for any review of any non-securities services provided by Scott Sather and Awaken Wealth Management Ltd. (operating as Awaken Wealth).

This website/blog is for informational and reference purposes only and is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. Please consult the appropriate professional depending on your particular circumstances. This website does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such offer or solicitation.

The opinions expressed are those of the author and do not necessarily reflect those of ACPI. The information contained on this website is subject to change without notice. Information has been gathered from sources believed to be reliable. Content is accurate as of the date of publication, and subject to change without notice. By accessing links to external websites, you will be leaving this website, and Awaken Wealth Management Ltd. (operating as Awaken Wealth) and Awaken Investments of ACPI are not responsible for the information contained on these external websites. Content may not be reproduced or distributed without the consent of Scott Sather.

To view the Aligned Capital Partners Inc. Privacy Statement: https://www.alignedcapitalpartners.com/privacy-notice/

To view the Aligned Capital Partners Inc. Complaint Handling Procedures: https://www.alignedcapitalpartners.com/complaint-resolution-policy/

As an organization that collects, uses and discloses personal information, Awaken Wealth Management Ltd. (Awaken Wealth) is subject to the federal Personal Information Protection and Electronic Document Act (or by similar laws in the provinces of Alberta, British Columbia and Quebec), effective January 1st, 2004. In complying with these laws, it is important that Awaken Wealth Management Ltd. (Awaken Wealth) provide you with information so that you may fully understand the purposes for which your personal information is collected.

Over the course of your relationship with Awaken Wealth Management Ltd. (Awaken Wealth) personal information will be collected in order to administer your accounts. This information typically includes your financial information and investment objectives, in addition to your current investments, banking information and your social insurance number. At times, Awaken Wealth Management Ltd. (Awaken Wealth) may be required to provide this information to outside organizations such as insurance companies, mutual fund companies in which you invest, self-regulatory organizations, securities regulators, law enforcement agencies and to companies that perform services on our behalf. These organizations, like Awaken Wealth Management Ltd. (Awaken Wealth) are bound and must comply with the same federal/provincial privacy act(s). Awaken Wealth Management Ltd. (Awaken Wealth) does not disclose your information to any other organization(s) to use for their own purposes and in particular will never sell or trade your personal information.

The purposes for which we collect, use and disclose your personal information are central to our being able to provide you with our services. Should you have objections to the collection and disclosure of your personal information, as listed in the foregoing, Awaken Wealth Management Ltd. (Awaken Wealth) will no longer be in a position to provide you with these services. Therefore, by maintaining your account with Awaken Wealth Management Ltd. (Awaken Wealth) we will consider that you have consented to our collecting, using and disclosing your personal information.

If you wish to review or make changes to your personal information you may do so by contacting Awaken Wealth Management Ltd. (Awaken Wealth) directly.

Exhibit 1: In CAD. World Equities is the MSCI World Index (gross dividends). Short-Term World Government Bonds is the FTSE World Government Bond Index 1–5 Years (hedged to CAD). Treasury Bills is the FTSE Canada 30-Day Treasury Bill Index. Canadian Inflation is measured as changes in the Canadian Consumer Price Index. MSCI data © MSCI 2024, all rights reserved. FTSE fixed income indices © 2024 by FTSE Fixed Income LLC. All rights reserved. Treasury Bills data provided by PC-Bond, a business unit of FTSE Global Debt Capital Markets Inc. All rights reserved. Canadian Inflation data is provided by the Bank of Canada. Data presented in the Growth of a Dollar chart is hypothetical and assumes reinvestment of income and no transaction costs or taxes. The chart is for illustrative purposes only and is not indicative of any investment.

Exhibit 2: Past performance is not a guarantee of future results. Indices are not available for direct investment; therefore, their performance does not reflect the expenses associated with the management of an actual portfolio. In CAD. Source: Standard & Poor's Indices Versus Active Funds (SPIVA) Canada Scorecard, Year-End 2023. Indices used for comparison: Canada Equity Funds vs. S&P/TSX Complete Index Total Return, US Equity Funds vs S&P 500 Total Return Index (CAD), International Equity Funds vs. S&P EPAC LargeMidCap Index Total Return (CAD).

Exhibit 5: Diversification neither assures a profit nor guarantees against loss in a declining market. In USD. Market cap data is free-float adjusted and meets minimum liquidity and listing requirements. Dimensional makes case-by-case determinations about the suitability of investing in each emerging market, making considerations that include local market accessibility, government stability, and property rights before making investments. China A-shares that are available for foreign investors through the Hong Kong Stock Connect program are included in China. 30% foreign ownership limit and 25% inclusion factor are applied to China A-shares. Many nations not displayed. Totals may not equal 100% due to rounding. For educational purposed; should not be used as investment advice. Bloomberg data provided by Bloomberg.
Free Float: In general, describes the number of publicly traded shares of a company.

Exhibit 6: In CAD. Globally diversified portfolio is equally weighted with the following asset groups: Canadian (Large, Small, and Value); US (Large, Small, and Value); US Real Estate; and International (Large and Mid, Small, and Value). Annualized standard deviation is calculated by multiplying the standard deviation of monthly returns by the square root of 12. Date range selected for the model portfolios is the longest common time series of whole years of data available. Rebalanced quarterly. Index descriptions: Canadian Large Cap is the S&P/TSX Composite Index. Canadian Small Cap is the MSCI Canada Small Cap Index (MSCI/Barra, gross dividends), January 1999–present, and Barra Canada Small Cap Index, December 1998 and before. Canadian Value is the MSCI Canada Value Index (gross dividends). US Large Cap is the S&P 500 Index. US Small Cap is the CRSP 6–10 Index. US Value is the Russell 3000 Value Index. US Real Estate is the Dow Jones US Select REIT Index. International Large and Mid Cap is the MSCI EAFE Index (net dividends). International Small Cap is Dimensional International Small Cap Index. International Value is the MSCI EAFE Value Index (net dividends). S&P/TSX data © 2024 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. MSCI data © MSCI 2024, all rights reserved. Canadian Barra data provided by MSCI Barra. S&P data © 2024 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. CRSP data provided by the Center for Research in Security Prices, University of Chicago. Frank Russell Company is the source and owner of the trademarks, service marks, and copyrights related to the Russell Indexes. Dow Jones US Select data provided by Dow Jones Indices. Not to be construed as investment advice. Returns of model portfolios are based on backtested model allocation mixes designed with the benefit of hindsight and do not represent actual investment performance. International investing involves special risks, such as currency fluctuation and political instability. Investing in emerging markets may accentuate these risks.

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